Cheaper 2014 Bentley Continental GT Car Insurance Quotes

No sane person looks forward to paying for insurance, especially when their premiums are through the roof.

You have so many car insurance companies to purchase coverage from, and though it is a good thing to be able to choose, it can be more challenging to compare rates and cut insurance costs.

How do insurance companies determine Bentley Continental GT insurance rates?

When buying insurance it’s important to understand some of the things that aid in calculating your premiums. If you have a feel for what influences your rates, this allows you to make educated decisions that can earn you better insurance rates.

Shown below are some of the most rate-impacting factors insurance companies consider when setting your rate level.

  • Liability protection is important – Liability coverage provides coverage if ever a jury decides you are liable for an accident. Liability provides legal defense coverage up to the limits shown on your policy. It is affordable coverage when compared with rates for comp and collision, so do not skimp.
  • High claims frequency drives up premiums – Insurance companies provide most affordable rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on higher premiums or even policy non-renewal. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.
  • Additional coverages that may be costing you – Insurance companies have many additional extra coverages that sound like a good idea at the time on your insurance policy. Add-on coverages like rental car reimbursement, better glass coverage, and extra equipment coverage are probably not needed. They may sound like good ideas initially, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Insure car and home with the same company – Many insurers will award a discount to people that buy multiple policies in the form of a multi-policy discount. Discounts can amount to 10 percent or more. Even with this discount applied, it’s always a smart idea to compare other insurance prices to confirm you are receiving the best rates possible.
  • Discounts for married drivers – Having a wife or husband can get you a discount on insurance. Having a significant other generally demonstrates drivers are more financially stable and statistics show drivers who are married are more cautious.
  • Long commutes cost more – The more you drive in a year the more you will pay for insurance. A lot of insurance companies calculate rates based upon how much you drive. Cars and trucks that have low annual miles get more affordable rates as compared to vehicles used primarily for driving to work. Double check that your policy correctly shows the correct driver usage, because improper ratings can cost you money. Having the wrong rating on your Continental GT is throwing money out the window.

Auto insurance policy discounts

Auto insurance is not inexpensive, but there could be significant discounts that you may not know about. A few discounts will be applied when you get a quote, but a few need to be specifically requested prior to receiving the credit.

  • Discounts for Multiple Vehicles – Buying a policy with multiple vehicles on one policy may reduce the rate for each vehicle.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • E-sign Discounts – Some of the larger companies will give you a small discount for completing your application on their website.
  • Student Discounts – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Homeowners Discount – Being a homeowner may trigger a policy discount on auto insurance since home ownership means you have a higher level of financial diligence.
  • Onboard Data Collection – People who choose to allow their insurance company to scrutinize vehicle usage by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive might get better premium rates if their driving habits are good.
  • Responsible Drivers – Insureds without accidents can save as much as half off their rates on Continental GT insurance compared to rates paid by drivers with frequent claims.

It’s important to note that most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, it’s just not the way it works. But all discounts will cut your auto insurance premiums.

A list of auto insurance companies and some of the premium reductions they offer are shown below.

  • Mercury Insurance may have discounts that include multi-policy, location of vehicle, low natural disaster claims, accident-free, and good student.
  • Farmers Insurance policyholders can earn discounts including teen driver, distant student, early shopping, mature driver, good student, switch companies, and multi-car.
  • Farm Bureau has savings for multi-policy, renewal discount, multi-vehicle, youthful driver, safe driver, and driver training.
  • State Farm discounts include accident-free, passive restraint, Steer Clear safe driver discount, good student, good driver, defensive driving training, and multiple autos.
  • Allstate has discounts for teenSMART discount, EZ pay plan discount, good student, eSmart discount, and auto/life discount.
  • GEICO offers discounts for anti-theft, five-year accident-free, defensive driver, anti-lock brakes, multi-policy, emergency military deployment, and air bags.

When getting free car insurance quotes, it’s a good idea to each insurance company to apply every possible discount. A few discounts might not be offered on policies in your area.

Don’t be fooled by advertising claims

Well-known insurance coverage companies like State Farm, Allstate and GEICO regularly use ads on television and other media. They all seem to make the same claim that you’ll save big after switching your policy. How do they all claim to save you money? Here is how they do it.

Insurance coverage companies quote their best rates for the type of driver that earns them the most money. For instance, a preferred risk might have to be between 30 and 50, has a clean driving record, and has a short commute. A customer getting a price quote who meets those qualifications will probably get cheap prices and have a good chance to cut their rates substantially.

Insureds who don’t meet this stringent profile may be forced to pay a higher rate and the customer buying from someone else. If you listen closely, the ads state “customers that switch” not “everyone that quotes” can get the lowest rates when switching. That’s why insurance companies can confidently make claims like that. This really emphasizes why drivers should compare many company’s prices. It is just not possible to predict which company will have the lowest rates.

How do I know if I need professional advice?

When choosing coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Each situation is unique so your insurance should reflect that For example, these questions may help highlight whether or not you could use an agent’s help.

  • Does insurance cover damages from a DUI accident?
  • Can I drive in Mexico and have coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is my babysitter covered when using my vehicle?
  • Am I covered by my spouse’s policy after a separation?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered when driving a rental car?
  • Does liability extend to a camper or trailer?
  • Who is covered by my policy?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Insurance coverages explained

Knowing the specifics of a insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages found on the average insurance policy.

Liability – Liability coverage can cover damages or injuries you inflict on people or other property. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like repair costs for stationary objects, pain and suffering, funeral expenses, loss of income and attorney fees. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a deer, a tree branch falling on your vehicle and falling objects. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as ambulance fees, EMT expenses, chiropractic care, doctor visits and prosthetic devices. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision – This covers damage to your Continental GT resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, damaging your car on a curb, crashing into a ditch and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your 2014 Bentley Continental GT.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Have the Midas touch

We just presented quite a bit of information on how to compare 2014 Bentley Continental GT insurance prices online. The most important thing to understand is the more you quote car insurance, the higher your chance of finding the cheapest car insurance. Consumers may even find the biggest savings come from some of the smallest insurance companies. These companies may only write in your state and offer lower rates compared to the large companies like State Farm and Allstate.

The cheapest 2014 Bentley Continental GT insurance is possible online and from local agencies, and you should be comparing both to have the best chance of lowering rates. A few companies may not offer online rate quotes and usually these smaller companies sell through independent agencies.

As you quote car insurance, you should never reduce coverage to reduce premium. In too many instances, drivers have reduced collision coverage and discovered at claim time they didn’t purchase enough coverage. Your strategy should be to buy enough coverage at a price you can afford while not skimping on critical coverages.

Additional information